With effect from Thursday 21 July, the maximum age at application for retired mortgage customers has been extended to 80 years old (age next birthday), with the maximum age of repayment extended to 85 years old (age next birthday).

Early Repayment Charges and redemption expenses will now be shown on the redemption statement, unless, as a result of a mortgage policy (e.g. when a customer is in the last 10 years of their mortgage term), they aren't due.

Your feedback counts. It helps us shape the requirements of our criteria, the products we offer, and the service that we give. So we'd be grateful if you could show your support for Nationwide in this year's Financial Adviser Service Awards.

With effect from Friday 27 May, we're changing our income multiple cap for all sole applications above 85% LTV. A new lower cap of 4.5x Gross Disposable Income (GDI) will be implemented. For all other applications, our current policy of 4.75x GDI remains unchanged.

Today, we proudly publish our end of year results for 2015/16. So we'd like to take this opportunity to thank you for helping us deliver another great set of results. We couldn't have achieved these without your continued support

There was a surge in the number of residential property transactions in March (which includes mortgaged and cash purchases) ahead of the introduction of the additional stamp duty land tax levy on second properties from 1 April 2016.

Robert Gardner, our Chief Economist, comments on the figures in our latest House Price Index report which also includes estimates from the Council of Mortgage Lenders.

Here's a quick reminder that if your client is a Nationwide main current account customer completing a purchase or remortgage application, we'll give them £250 to say thank you for their loyalty. And that's in addition to any of our current cashback rewards too.

There's been a pickup in housing market activity in recent months, with the number of housing transactions and mortgage approvals rising strongly. This is likely to have been driven, at least in part, by the changes to stamp duty land tax on second homes.

Ahead of the Government's proposed changes to Stamp Duty Land Tax from 1 April 2016, we've produced a new guide to help you understand how your clients may be affected, along with explanations to scenarios that your clients could find themselves in.

In the Government's Autumn Statement, changes were announced to stamp duty land tax that will become effective from 1 April 2106. It's important that you and your clients are aware of these changes and the potential impact on costs involved in a purchase transaction.

On 1 March 2016, the Scottish Government is launching their revised Help to Buy scheme, with £195m of new funding available until 31 March 2019. The scheme is available on New Build properties in Scotland only, and all homebuyers including first time buyers and home movers are eligible to apply.

We're pleased to confirm that the enhancements to NFI Online and NFI MTE have been successfully made over the weekend, and alongside these, we've made changes to our retirement age definition - details of which are further below.

Employment continues to rise at a robust pace and, in inflation-adjusted terms, regular wages also continue to rise at a healthy rate. With this trend expected to continue and with interest rates likely to stay on hold for longer than previously anticipated, the demand for homes is likely to strengthen in the months ahead.

From Thursday 28 January, we're introducing a new product range for all Equity Share applications, with fixed rates starting at 1.89%. Standard products will no longer be available for Equity Share applications, which includes Help to Buy Equity Share Loan Schemes.

If you're planning on taking a well-earned Christmas break, please send us any outstanding case information before your holiday. And if we have all the information we need, we'll continue to progress your cases.

The pace of annual house price growth continued to soften in February, down to 5.7% from 6.8% in January. This is the sixth month in a row in which annual growth has moderated, with house prices declining by 0.1% month on month.

The pace of annual house price growth continued to soften at the start of 2015, slowing from 7.2% in December to 6.8% in January. This marks the fifth consecutive month in which annual growth has moderated, despite house prices increasing by 0.3% month on month in January.

The latest regional report shows that all regions saw annual price rises in 2014. London remains the top performer with prices up 17.8% year-on-year, whist Wales was the weakest performing region with prices up 1.4% compared to Q4 2013.

The annual pace of house price growth continued to soften as 2014 drew to a close, slowing from 8.5% in November to 7.2% in December. This marks the fourth consecutive month in which annual growth has moderated, despite house prices increasing by 0.2% month on month in December.

If you're planning on taking a well earned Christmas break, please send us any outstanding case information before your holiday. Click the news story to see when we are available over the Christmas period.

The annual pace of house price growth continued to soften in November, falling from 9.0% in October to 8.5%, marking the third consecutive month where annual growth has moderated. This is despite house prices increasing by 0.3% month on month in November.

We're honoured and proud to have received the coveted 5 Star Financial Adviser Service Award - for the sixth year running. We know that delivering the right tools to support you and your clients is key.

Once again, house price growth continued to slow in the month of October. The annual pace of house price growth declined to 9% from 9.4% in September, despite house prices increasing by 0.5% month on month.

From Thursday 23 October, we'll be making the following changes to our product range: selected 2, 3 and 5 year fixed rates reduced by up to 0.55%; all 2 year tracker rates reduced by up to 0.65% up to 75% LTV; 2 year fixed rate at 3.99% up to 90% LTV with a £0 product fee increased to 4.09%.

From Wednesday 8 October, we'll be making some changes to our Early Repayment Charge structure. As a result, the ERC percentage on fixed rate products will reduce year upon year during the deal period.

The latest regional report shows that all UK regions saw annual house price rises in Q3 2014. London remains the strongest performing region with prices up 21% year-on-year, whilst the north was the weakest performing region, with prices up 4.3% compared to Q3 2013.

We've reviewed the affordability calculator. From Wednesday 11 September, we'll refine some of the areas relating to outgoings, to ensure we continue to deliver the right outcomes for your clients and help them to secure the right mortgage.

UK house prices increased by 0.1% in July, slowest pace since April 2013. Annual house price growth remains in double digits, but slows to 10.6% from 11.8% in June. Read the full report for more details.

The Bank of England's Financial Policy Committee has announced that lenders should apply a stressed rate which assumes a growth in the base rate of 3%. Accompanying this, caps have been announced on lending at income multiples greater than 4.5 x gross income.

As a result of this announcement, we'll be making some changes to our affordability calculation, which means you may receive a different affordability result than you've come to expect.

From tomorrow Tuesday 22 July, our calculators will be updated to reflect the following changes:

To support you post MMR, we’re making some enhancements to our online application systems. From Monday 14 April, instead of submitting certain application types via a paper application process, you’ll be able to submit them online.

So we can make these changes, NFI Online and NFI MTE will be unavailable from 8pm Friday 11 April until 8am Monday 14 April.

From 14 April and post MMR, the way we assess affordability will remain very much in line with our current approach, although there will be some small changes around lending into retirement and treatment of the mortgage term.

As with our previous MMR communications, these changes are about evolution and not revolution and they'll fit naturally into our existing NFI Online and NFI MTE application process.

From 14 April, we'll be asking you a few additional questions when you submit your client's application, and we may also ask you to provide a small number of additional proofs. We're confident the information we ask for should be readily available from your client and will have a minimal impact on case submission and processing times.

As applications currently with us, and those submitted in the coming weeks, may still be in our processing pipeline post MMR, read on to find some key information on how those applications could be affected. We've also provided some 'Top Tips' to ensure the transition of your pipline business is as smooth as possible for you and your clients.

With effect from Wednesday 5 February 2014 all 3 year fixed rate products will increase by 0.10%, all 5 year fixed rate products will increase by 0.10%, all 75% and 85% LTV products will increase by a further 0.10%, and all 90% LTV products by a further 0.20%.

UK house prices increased by 0.7% in January and were 8.8% higher than January 2013 but still around 4% below their 2007 peak with the average house price now £176,491. Read the full report for more details.

We will be making changes to our products on Friday 24 January 2014 including 3 and 5 year 95% LTV fixed rates reduced by 0.30%, starting from 5.19% available to existing borrowers purchasing and new 2 year fixed rates at 95% LTV, starting from 4.89% available to existing borrowers purchasing.

Our research shows that a third of mortgage owners are on an SVR, and that savings of just £100 a month could prompt them to remortgage.* By switching from a competitor SVR of 4.74% to a Nationwide 1.99% fixed rate, your clients could save £5,241 over the term of the deal.**

A little knowledge can be a dangerous thing, particularly where mortgages are concerned. If media headlines and price comparison sites have convinced your customers they already understand their mortgage options, we've got five persistent myths you can bust in our latest Lender's View.

House prices continued to gain momentum as 2013 drew to a close increasing by 1.4% in December to be 8.4% higher than December 2012, although house prices are still around 5% below 2007 peak. Read the full House Price Index for more details.

From Wednesday 11 December 2013, if your client decides to buy a different property after submitting a Full Mortgage Application (FMA), their existing application will need to be cancelled and a new FMA submitted. This applies to FMAs submitted via NFI Online, NFI MTE or paper. We will also no longer accept Equity Share remortage applications or allow loans to be split across more than on product unless the porting with additional borrowing.

UK house prices increased by 0.6% in November and were 6.5% higher than November 2012 leaving house prices around 6% below 2007 peak with the average house price now at £174,566. Read the report for full details.

With effect from Monday 2 December 2013 we're changing our call options for Nationwide New Business to help you find the right person in less time. When phoning 0845 609 3421 you'll be given the following three options: Option 1: Fax and address details, Option 2: For NFI Online/ NFI MTE applications, and Option 3: For paper applications.

With effect from 2nd January 2014, we'll accept applications for Help to Buy - Wales Equity Loan scheme. Clients purchasing a property through the new Help to Buy - Wales Equity Loan scheme (effective from 2nd January 2014), can choose from our range of home buyer products.

UK house prices increased by 1% in October and were 5.8% higher than October 2012 with house prices now around 7% below 2007 peak, this means that the typical UK home is now worth £173,678. Read October's HPI report for more detail.

Nationwide's Managing Director for Group Intermediary Sales, Ian Andrew, recently commented that as standards across the industry continue to rise, a greater focus on quality needs to continue. This will become especially important as the MMR changes begin to take effect, with brokers looking for support from lenders as everyone adapts to the new regime.

With effect from tomorrow our valuation policy for flats and part commercial properties is changing, changes include: flats in blocks of more than 4 storeys must have a lift and the suitability of a flat in the same block as commercial premises will be at the discretion of the valuer.

90% LTV rates reducing by 0.30% with effect from tomorrow, Friday 25 October 2013. In addition all fixed and tracker rate products at 80% LTV reduced by 0.10%, and all fixed and tracker rate products at 85% LTV reduced by 0.10%. You can reserve products through NFI Online or NFI MTE until 5.00pm today (Thursday 24 October 2013).

Get our latest products and calculators on the move, available to download to your iPhone, iPad, Android™ phone or tablet. Our new app includes features like our
product finder, criteria search, affordability calculator and a new comparison calculator exclusive to the NFI app.

As of tomorrow Friday 11 October 2013, we'll be reducing all of our Mortgage Valuation and Homebuyer report fees. Download our product guide to see the new valuation fee amounts. Please note that no rates are changing.

From 5.00pm Friday 11 October 2013, we'll be streamlining our mortgage process by withdrawing a small number of manual paper based applications. As a result a number of application types will no longer be available through Nationwide For Intermediaries, including: further borrowing, clients who have had a foreign residential or BFPO address in the last 3 years, Genuine Bargain Price and more.

UK house prices increased by 0.9% in September and were 5% higher than September 2012, this means that the typical UK home is now worth £172,127. Southern regions of England, especially London, continued to record strongest rates of house price growth. Read September's HPI report for more detail.

As of Monday 30 September 2013 we'll be supporting the new Help to Buy (Scotland) Shared Equity scheme. Clients purchasing a property through this scheme, can choose from our existing range of home buyer products.

With effect from Wednesday 25 September 2013, we'll be improving our mortgage range; with changes including 2 year fixed rates at 60% LTV reduced by 0.10%, 3 & 5 year fixed and 3 year tracker rates now start at 70% LTV, all 75% LTV rates reduced by up to 0.15% and all 80% LTV rates reduced by up to 0.30%.

With effect from Tuesday 3 September 2013, we'll be making the following changes to our mortgage range: 2 year fixed rates up to 70% LTV reduced by 0.10%, 2 year fixed rates above 85% LTV increased by 0.20%, 3 year fixed rates above 70% LTV increased by up to 0.30%, 5 year fixed rates increased by up to 0.40% and all 2 and 3 year tracker rates reduced by up to 0.15%.

Earlier this year we updated our purchase and remortgage paper application forms. So that we can progress your client's case as quickly as possible, please make sure you're using the following June 2013 versions of our DIP, Mortgage, Remortgage, and Additional borrowing application forms. Cases received on old application forms will be returned and the requested product won't be reserved.

In his latest blog in Mortgage Introducer, Gary Salter, Nationwide's Head of Corporate Accounts, discusses one of the largest sources of intermediary mortgage fraud - third party applications. Gary says "Most brokers are aware of the due diligence that should be carried out before accepting business from an introducer, but organised criminals are targeting brokers in different parts of the country on the basis that their lack of local knowledge will hide what they are doing."

In the latest 'Lender's View', Andrew Baddeley-Chappell, Nationwide's Head of Mortgage Strategy and Policy, looks at how the Funding for Lending Scheme (FLS) has changed the mortgage market, and what could come next. Find out more, including the impact FLS has on net lending and market stability.

House prices continue to gain momentum in July with UK house prices increasing by 0.8% making them 3.9% higher than July 2012. The typical UK home is now worth £170,825. This the strongest rate of annual price growth since August 2010.

With effect from Friday 26 July some of our valuation fees will be changing. Selected valuation fees will be reduced by £5 and others increased by £15. If you have any questions regarding this change, please get in touch with your local BDM or our dedicated sales support team.

From tomorrow, Wednesday 17 July, when calling Nationwide New Business on 0845 609 3421 you’ll find that we have updated our options, this will ensure your call is routed through to the right person to help with your enquiry and with minimal delay.

With effect from Wednesday 5 June, we'll be improving our mortgage range with all 2 year fixed and tracker rates reduced by 0.10%, all 3 year tracker rates reduced by 0.15% and all 85% LTV products will be reduced by a further 0.25%. Rates for existing customers moving home or taking further borrowing will continue to be priced 0.10% below new customer rates.

All mortgages reserved from 29 May 2013 will allow your client to overpay by up to 10% every year before they incur an early repayment charge. In addition, from 29 May 2013, our existing range of home buyer products will be made available for Help to Buy clients with a 5% deposit.

With effect from Wednesday 15 May 2013, we'll be improving our mortgage range with 3 year fixed rates reduced by up to 0.35% and 75% LTV products reduced by 0.20%. Rates for existing customers moving home or taking further borrowing will continue to be priced 0.10% below new customer rates.

In this month's Mortgage Strategy economic tracker, Andrew Baddeley-Chappell, Nationwide's Head of Mortgage Strategy and Policy, analyses the growth of housing schemes and their impact on the mortgage market.

In his latest blog for Mortgage Solutions, Andrew Baddeley-Chappell, Head of Mortgage Strategy and Policy at Nationwide, writes that one of the key barriers for first time buyers is their perception that the market may not be open for business, or not for people like them.

With effect from Wednesday 10 April 2013, we'll be improving our mortgage range with all fixed and tracker rates up to 70% LTV reduced by 0.10%, now starting from 2.24%. Rates for existing customers moving home or taking further borrowing will continue to be priced 0.10% below new customer rates.

Our Regional House Price Index Report is now available for download. 7 out of 13 UK regions saw annual price rises in the first quarter of 2013, with London remaining the best performing region on an annual basis and Scotland the worst performing region in Q1.

The price of a typical home was unchanged between February and March, but was 0.8% higher than March 2012 making the typical UK home worth £164,630. For further information and a regional breakdown please download the full report.

In the latest Mortgage Introducer blog, Gary Salter, Nationwide's Head of Corporate Accounts, looks at how MMR will change the way brokers and lenders work. Gary says, "Our sales force will be making sure that we are listening to brokers and taking on board their feedback. Our aim is to make the transition to the new rules as seamless as possible and we will do all we can to help brokers achieve this."

With effect from Wednesday 13 February 2013, we'll be improving our mortgage range with 2 year fixed and tracker rates reduced by 0.15%, starting from 2.34% with a £900 product fee (£400 for FTBs). Rates for existing customers moving home or taking further borrowing will continue to be priced 0.10% below new customer rates.

In the latest Mortgage Solutions Marketwatch, Andrew Baddeley-Chappell, Nationwide's Head of Mortgage Strategy and Policy, joins the discussion on the rise of building societies and what it means for the mortgage market.

An article published by Mortgage Solutions today, highlights the struggle faced by second time buyers to obtain a new home. At Nationwide For Intermediaries we offer a range of low deposit options to help second time buyers move up the property ladder, read the article or find out more about our products.

With effect from Wednesday 30 January 2013, we'll be improving our mortgage range with selected fixed rates reduced by up to 0.30% and tracker rates reduced by up to 0.50%, now starting from 2.49%. Rates for existing customers moving home or taking further borrowing continue to be priced 0.10% below new customer rates.

In this month's economic tracker in Mortgage Strategy, Andrew Baddeley-Chappell, Nationwide's Head of Mortgage Strategy and Policy, discusses how the MMR and Nationwide could help free today's mortgage prisoners.

We're pleased to announce improvements to our mortgage range with effect from tomorrow, 18 January 2013. Selected 2 year fixed rates reduced by 0.10%, starting from 2.49% with rates for existing customers moving home or taking further borrowing continuing to be priced 0.10% below new customer rates.

In their latest Mortgage Solutions blog, BDRC Continental has named Nationwide as the intermediary lender of the year, based on their independent research with brokers throughout 2012. We really value your feedback, so thank you. We're looking forward to 2013 and remain committed to the intermediary sector.

In the latest Q4 regional House Price Index report you'll see that 11 out of 13 UK regions saw annual price falls during 2012. London was the best performing region in 2012 with Northern Ireland continuing to see the largest price falls. Within England, the North/South divide in property prices continued to widen.

We're pleased to announce improvements to our mortgage range with effect from tomorrow, 11 January 2013 with 3 & 5 year fixed rates reduced by 0.10%, NewBuy/MI New Home 2 & 3 year market leading fixed rates of 4.44% with £0 product fee and rates for existing customers moving home or taking further borrowing continue to be priced 0.10% below new customer rates.

We're pleased to announce improvements to our mortgage range with effect from tomorrow, 4 January 2013 with existing NewBuy/MI New Home rates reduced, and a new market leading 2 year fixed launched as well as offering your clients the option of a free standard valuation with either free standard legals, or £250 cashback across all remortgage products.

UK house prices little changed in December, continuing the trend evident throughout 2012, overall in 2012 the price of a typical home declined by 1%, reversing the 1% increase recorded in 2011 leaving the typical home worth £162,262.
Within England, the North/South divide in property prices continued to widen.

Watch the latest edition of Mortgage Solutions TV, featuring an interview with Nationwide's head of mortgage product and pricing, Tracie Pearce discussing a range of topics from product innovation and pricing to what you can expect from Nationwide in 2013.

Due to technical issues, regrettably our reduced NewBuy products won't be available at the lower rates until Thursday 6 December. We apologise for any inconvenience this short delay may cause you and your clients.

With effect from Tuesday 4 December 2012, we'll be improving our mortgage range with 60% LTV tier re-launched across all product terms, fixed rates below 85% LTV reduced by up to 0.30%, 90% LTV fixed rates reduced by up to 0.70%, tracker rates reduced by up to 0.20% and more.

Part of being on your side means we're always looking at ways to improve our online systems for you and your clients. So we're pleased to announce that from today, you can submit Equity Share purchase applications via NFI Online and NFI MTE.

With an additional 400,000 borrowers now on a higher SVR, remortgaging to Nationwide could save them money. Switching from a competitor SVR of 4.74% to a Nationwide 2 year fixed rate at 2.89% could save your clients £3,440 over the term of the deal.

With effect from Tuesday 13 November 2012, we'll be improving our mortgage range with all 2, 3 and 5 year fixed and tracker rates at 70% LTV reduced by 0.10%, rates for existing customers moving home or taking further borrowing will continue to be priced 0.10% below new customer rates.

Read on for a number of useful criteria and packaging tips to help speed up the processing of your client's application, including tips on address history, rental income on let properties, mortgage statements and pension income.

We've recently made changes to our paper application forms. You can find the latest versions on our website under Literature. Please use the Oct 2012 version of the DIP, Mortgage, Remortgage and Additional borrowing application forms. From Monday 5 November any applications received on out of date forms will be returned.

With effect from Wednesday 24 October 2012, we'll be improving our mortgage range with all 3 & 5 year fixed rates reduced by 0.20%, all NewBuy & MI New Home rates reduced by 0.20%, all 2 year fixed rates reduced by 0.10% and all tracker rates reduced by 0.10%.

Ian Andrew, Managing Director of Group Intermediary Sales and James Chidgey, Senior Manager of Group Intermediary Sales, host a new build debate in this week's Mortgage Strategy to discuss the succession of initiatives recently launched within the new build sector, and how these aim to help get Britain building and lending again.

Earlier this week we released the latest HPI report, now you can also read the latest Q3 regional House Price Index report; a quick snapshot revals that 10 out of 13 UK regions saw annual price falls in the third quarter with London prices only 2% below their peak, and Northern Ireland experiencing the largest price falls.

With effect from Thursday 11 October, we will no longer offer Interest Only mortgages for any new or additional borrowing. Existing customers may retain their Interest Only mortgage, but cannot increase their borrowing on that basis. There are no other changes to criteria or products.

In the latest Mortgage Introducer blog, Gary Salter, Nationwide's Head of Corporate Accounts, says that it's not only schemes like NewBuy and MI New Home that the housing market needs, it needs you too.

In this month's economic tracker, Ian Andrew, Managing Director of Group Intermediary Sales at Nationwide, compares the housing market of 1948 with today's market. Ian says "Latest findings by Nationwide suggest somewhat surprisingly, that those trying to get on the housing ladder back then had an easier time financially than many first time buyers today."

From Wednesday 12 September, we will start to accept applications under the MI New Home scheme. MI New Home is the Scottish Government's equivalent of the NewBuy scheme, and could help your client buy a new build house or flat with a mortgage up to 95% LTV.

With effect from 12 September 2012, DIPs will be processed in our Northampton Service Centre. You can continue to email your paper DIP requests to: omega@nationwide.co.uk, if you need to fax your DIP use fax number 01604 852 879. From 17 September 2012, all paper applications will be processed in our Northampton Service Centre. Please post your paper applications to the revised address.

UK house prices rebounded in August with the price of a typical UK house increasing by 1.3%, leaving prices 0.7% lower than one year ago and the price of a typical home at £164,729. Read August's full HPI report for more details.

With effect from 3 September 2012 we will no longer accept valuation reports that have been instructed independently of Nationwide and transcribed onto a Nationwide mortgage valuation report. Instead, we will ask for a valuation fee to be paid with your client's application, which we will use to instruct a valuation for mortgage purposes only, using a firm on our panel.

From Wednesday 29 August, we'll be making changes to our product range including an increase of all rates for new customers, rates for existing customers moving home or taking further borrowing will be priced 0.10% below corresponding new customer rates. Full details of all changes can be found in our product guide. You can reserve exisiting products via NFI Online or MTE until 2pm today (28 August).

New research shows that 38% of homeowners have no intention of moving again, ever. In Mortgage Strategy this week, Nationwide's Managing Director of Group Intermediary Sales, Ian Andrew, looks at how brokers and lenders alike can help get the nation moving.

With effect from Wednesday 25 July 2012, we'll be improving our mortgage range by making various changes including 2 year fixed rates available up to 60% LTV now available from 2.99% and 2 year fixed rates available above 60% LTV reduced by 0.20%, as well as reductions on 3 and 5 year fixed rates and 2 and 3 year tracker rates.

With effect from Wednesday 11 July 2012, we'll be making changes to our mortgage range with 2, 3 and 5 year fixed rates up to 70% LTV reduced by 0.10% and 2 and 3 year tracker rates above 70% LTV increased by 0.10%. All other rates will remain unchanged.

Our great range of competitive mortgage products is currently very popular, so we're experiencing very high levels of calls and applications. As a result, our service levels may not be as fast as you've come to expect. We're working hard to ensure a return to our normal turnaround times and would like to thank you for your ongoing support and patience during this busy period.

In Mortgage Introducer this week, Nationwide's Head of Corporate Accounts, Gary Salter, looks at the forgotten market of first-time sellers. In a recent poll we asked intermediaries what they thought lenders could do to help.

In Mortgage Solutions this week, Nationwide's Head of Mortgage Strategy and Policy, Andrew Baddeley-Chappell, reports on the latest score from the EU Mortgage Directive competition. Andrew says "Whilst the England football team has ended its campaign in Europe with a whimper, the UK Mortgage Market is still battling away."

In May, our Service Centres reduced the average time it took to answer your calls by almost 10 minutes. Take a look at our other key service levels for May. You can also find our weekly service levels on our website, so you always have the latest information to hand.

We're on your side and committed to great service. That's why we've continued to invest in supporting you and your clients; we'd love to hear what you think and whether we're still providing you with the support you need. So tell us your views by placing your vote in the 2012 Financial Adviser Service Awards.

At Nationwide For Intermediaries, we're proud that our intermediary website and NFI Online system have been awarded five stars at the FT Adviser Online Service Awards. And because we're on your side and committed to intermediaries, we want to make sure we carry on giving you the online support you need.

Part of being on your side is about sharing information that could help you and your clients save money. Our charitable foundation, Nationwide Education, have developed an independent and interactive Green Guide, a comprehensive introduction to living a more eco-friendly existence at home.

Nationwide's House Price Index shares an anniversary with the Queen as it marks its 60th year as the price of a typical UK house rose by 0.3% in May leaving prices 0.7% lower than one year ago with the price of a typical home is now £166,022.

With effect from 1 June 2012, our definition of a New Build property will change. We have also clarified our criteria on 'Try Before You Buy' (also known as Rent to Buy) schemes. Follow the link below for more information.

In our recent poll, you told us that high LTV products and supporting the NewBuy scheme, are two of the key things lenders can do to help second time buyers. For more information visit our housing scheme hub or talk to your local BDM.

With effect from Friday 18 May 2012, we'll be making further improvements to our mortgage range with 2 and 5 year fixed rates for house purchase and remortgage reduced by 0.10%. We'll also be continuing to offer 50% off product fees on our 5 year fixed rates.

To make low deposit home ownership options more accessible, the Building Society Association has launched The Housing Hub; funded by Nationwide it aims to increase the opportunities available to home buyers with low deposits, by encouraging co-operation between Housing Associations and lenders who support affordable housing schemes.

In April a significant rise in the number of phone calls to our Service Centres meant our call waiting times increased. We want to thank you for your patience and let you know that we're putting even more people into our Service Centres to help reduce call waiting times.

We're committed to giving you the best possible service. To help us do this, we rely on receiving fully completed paper application forms, so with effect from Wednesday 16 May we'll begin to return any applications that don't meet a minimum level of completion.

With effect from Wednesday 2 May 2012, we'll be making changes to our product range including 5yr fixed rate product fees reduced by 50% to £549 for purchase and remortgage clients, 5yr fixed rate product fees reduced by 50% to £299 for first time buyer clients and more.

With immediate effect we are making some changes to our criteria for customers who are looking to port their existing product, we have also clarified the process for submitting applications for affordable housing schemes with a restricted resale price.

Any new applications placed with us for a client that owns more than one property (Residential or Buy to Let) will be classed as a second property purchase. When submitting your clients Loan Requirements in NFI Online or NFI MTE please select the property purpose as 'Second property'.

In April's Economic Tracker Nationwide's Head of Mortgage Strategy and Policy, Andrew Baddeley-Chappell, reflects on the wider economic objectives of NewBuy and discusses how it's a positive message for the market.

With effect from Thursday 12 April 2012, we'll be making changes to our product range including the withdrawal of 2 year fixed rate products at 60% LTV and an increase to all fixed and tracker rate products at 75%-85% LTV.

With effect from Friday 30 March 2012 we'll be making changes to our product range. All 3 and 5 year fixed rates will be increased by 0.20% - 0.30% with all other rates between 80% and 85% increased by 0.10%.

With effect from Wednesday 21 March 2012, we will be amending our criteria for all new lending with Interest Only and Part Repayment applications now limited to a maximum LTV of 50%. Applications which exceed 50% LTV will only be considered on a Repayment basis.

With effect from Friday 16 March 2012, we'll be making some changes to our product range. All 2 year fixed rates increased by 0.20% with all 2 and 3 year tracker rates increased by 0.20%. You can reserve products through NFI Online or via MTE until 5pm today (15 March 2012).

From Tuesday 13 March 2012, we will start to accept applications under the Government's NewBuy scheme. The scheme could help your client buy a new build house or flat with a mortgage up to 95% LTV. Initially, we will only accept NewBuy cases from customers who have applied through an intermediary.

The Government is due to withdraw its 1% Stamp Duty Land Tax exemption for first time buyers purchasing a property up to £250,000. Your first time buyer clients could save up to £2,500 if their house purchase completes prior to the withdrawal date of 25 March 2012.

UK house prices declined by 0.2% in January, but are 0.6% higher than one year ago with the price of a typical home now £162,228. Read the full January report or watch the video of Robert Gardner, Nationwide’s Chief Economist, talking about January’s House Price Index.

With effect from Thursday 2 February 2012, we'll be making some changes to our product range. 2 year fixed rates from 0-90% LTV will increase by 0.20% , 3 & 5 year fixed rates from 0-90% LTV will increase by 0.10%, 2 & 3 year tracker rates will increase by 0.10% and equivalent remortgage products will be increased by a further 0.10%.

With effect from Wednesday 25 January 2012, we'll be making some changes to our product range including increases on 2, 3 and 5 year fixed rates up to 85% LTV, 3 and 5 year fixed rates between 85% and 90% and 2 and 3 year tracker rates. Our 2 year fixed rates at 90% LTV will remain unchanged.

Martyn Dyson, Head of Mortgages at Nationwide, features in January's economic tracker to discuss the mortgage market in 2012. Topics covered include increased competition in the 90% LTV market, and the good news this brings for first time buyers.

During December we took a higher number of calls than usual in our service centres, as we looked to ensure your urgent cases completed before Christmas. As a result, we weren’t able to answer your calls as quickly as normal and the average call time increased.

From Thursday 12 January 2012, we'll be making further improvements to our 90% LTV product range. We'll be extending the range to include 2 year fixed rates, available for First Time Buyers and House Purchase. We'll also be making changes to other selected fixed and tracker rates.

House prices declined by 0.2% in December, but increased by 1% in 2011 as a whole; with the price of a typical home now at £163,822. London saw the strongest growth in 2011, but there was less regional variation in house prices compared with previous years.

UK house prices continue to creep up in November, increasing by 0.4%, leaving the price of a typical home at 1.6% higher than one year ago. You can read the full report and watch the video by following the link below.

With effect from Wednesday 30 November 2011, we'll be making some changes to our product range, including our 2 and 3 year fixed and tracker rates at 70% LTV will be increased by up to 0.10%, with 5 year fixed rates between 70% and 85% LTV reduced by 0.10% and 2 year tracker rates above 70% LTV reduced by 0.05%. All rates above 85% LTV will remain the same.

In the latest Mortgage Solutions video debate, a panel of industry experts including Ian Andrew, Nationwide's Managing Director of Group Intermediary Sales, discuss the future of distribution. The panelists discuss whether procuration fees will rise again, the prospect for the industry as consolidation continues and much more.

Ian Andrew, Managing Director of Intermediary Sales, and Andrew Baddeley-Chappell, Head of Mortgage Strategy & Policy at Nationwide, feature in this month's economic tracker.
Ian and Andrew give their thoughts on 90% products and the range of options available to first time buyers.

We are incredibly proud to have been awarded our third Financial Adviser Five Star Service Award, but we couldn't have done it without you. Thanks to your continued support and valuable feedback, we will continue to find new and improved ways to help make things easier for you and your clients.

With effect from Wednesday 16 November 2011, we'll be revising our product range. Products from the new range will include 3 year fixed from 3.09% up to 70% LTV, 5 year fixed from 4.49% up to 85% LTV and 2 year trackers from 2.64% up to 70% LTV. To see the full range please download our updated product guide.

We are delighted to be attending Mortgage Business Expo London on 16th and 17th November at Olympia 2 - there's still time to register so book your free place today. Keep an eye out for our prize draw flyers and visit us on stand F14 for your chance to win an iPad 2!

At NFI service is our priority, which is why we're working hard to continually improve it, and last month we took an average of 3 days from instructing a valuation to it being received. You can see the rest of last month's service levels by clicking the link below.

UK house prices changed little in October, increasing by 0.4% lifting annual house price growth into positive territory for the first time in six months, with the price of a typical home now 0.8% higher than in October 2010.

From 7 November 2011, we will change the way we value new build houses and flats. New build houses and flats are currently valued on a resale basis; we're changing our policy to value new build houses and flats on an 'as new' basis.

In October's economic tracker Ian Andrew, Head of Intermediary Sales and Martyn Dyson, Head of Mortgages, give their views on what clients can do to take advantage of the current market and ask could your client remortgage or expand their property?

Following the successful launch of NFI Online and MTE, we've created a single page where you can find all the tools you need to process a paper exception case. Visit our improved paper exception page to check a client's affordability, produce a KFI and track case progress.

Ian Andrew, Head of Intermediary Sales and Martyn Dyson, Head of Mortgages, discuss product innovation in this week's Mortgage Strategy. The industry experts discuss the complex schemes available in the current market and how more diverse products can help home buyers.

With effect from Wednesday 26 October 2011, our entire product range will be repriced, changes include: 85% LTV rates reduced by up to 0.30%, 5 year fixed rates now available from 3.59% at 70% LTV and 2 year tracker rates up to 70% LTV will be increased by 0.10%.

With effect from 19 October 2011 clients will only need to provide one piece of photographic ID to prove their identity.
We're making this change in accordance with UK Money Laundering regulations and it will only apply to clients who do not automatically pass the electronic ID verification in NFI Online or those submitting paper based applications.

Nationwide Education, our charitable foundation, have developed an independent and interactive guide for First Time Buyers. Because we're on your side, we would like to share this guide with you and if you find it useful you can share it with your clients.

Paul Howard Head of Corporate Accounts, Ian Andrew Head of Intermediary Sales and Iain Laing Chief Risk Officer, host a new build debate in this week's Mortgage Strategy.
The industry experts discuss how many lenders are active in the market and whether new build properties are out of reach for first time buyers.

UK house prices changed little in September with a 0.1% increase making the price of a typical home in September 0.3% lower than one year ago. Further information and a regional breakdown can be found by downloading the full report.

With effect from 16 September 2011 we will no longer accept applications for loans with a business purpose, or including business purposes as part of a multiple loan type application.
This applies to further advances, remortgages with additional borrowing and capital raising on a mortgage-free property.

With effect from Friday 9 September 2011, we'll be making some important changes to our product range, including introducing a new £0 fee product range designed specifically for smaller loans (a non-refundable booking fee applies) for existing customers looking to borrow between £5,000 and £24,999

As part of our commitment to first time buyers, we will be accepting applications submitted under the FirstBuy scheme on all of our standard mortgage products from today. We have also updated our equity share affordability criteria.

Our latest figures show that house prices declined by 0.6% in August with the price of a typical home now 0.4% lower than one year ago. Follow the link below to see the figures in full and comments from Robert Gardner, Nationwide's Chief Economist.

We're pleased to announce that with effect from 1 September 2011 we'll be making reductions of 0.10% to our 5 year fixed rate products. To see the full range, please download our updated product guide.

We wanted to let you know that we've updated our application forms to make sure that we get all the necessary information we need to process your client's case as quickly as possible. Cases submitted on the existing application forms must be received by 30 August 2011.

We wanted to share a few of our latest top tips on submitting applications for shared ownership, or involving dependents, to help process your client's case swiftly. If you need further help then please see the FAQ page, or download our help guides.

Ian Andrew, Head of Intermediary Sales and Paul Howard, Head of Corporate Accounts feature in Mortgage Strategy this week. In August's economic tracker, Ian and Paul talk about the mortgage market four years on from the credit crunch and how the house purchase market can be stimulated.

We're pleased to announce that with effect from 10 August 2011 we'll be making reductions of up to 0.50% to our 2 and 3 year fixed rate products. To see the full range, please download our updated guide.

We know that the time taken to answer your calls is important. With some lenders taking over 5 minutes to answer calls in their Service Centre, we're pleased to let you know that our team is currently answering them in an average of 35 seconds.

With effect from 21 July 2011 we'll be making the following changes to our product range: 3 year fixed rates from 3.39% and rate reductions of up to 0.30% across the range, including house purchase, remortgage and further advance, in addition First Time Buyers can get a £500 discount on £900 product fees.

Ian Andrew, Head of Intermediary Sales and Robert Gardner, Nationwide's Chief Economist feature in Mortgage Strategy this week. In July's economic tracker, Ian talks about the eventual base rate rise and its effects on the market, and Robert discusses the differences in regional house prices.

As a result of changes to Government immigration rules, we have reviewed our policy and made a number of changes with effect from 13 July 2011 for applications from non-EEA foreign nationals who do not have indefinite leave to remain in the UK. You can see the key changes by clicking the link below.

With effect from 1 July 2011 we'll be making changes to our product range including: 5 year fixed rates now from 3.89%, rate reductions of up to 0.65% across the range, withdrawal of the £500 home buyer product fee discount and the introduction of £500 product fee discount for First Time Buyers on selected products.

With effect from 1 July 2011, the way we assess self employed income will change. We will assess self employed applicants' incomes by using the lower of the last 12 months income or the average of the last 2 years income. Please ensure you enter the lower income figure when submitting cases.

With effect from Tuesday 28 June 2011, we'll be making some changes to our lending criteria. Applicants' deposits must come from their own resources, or be a gift. We have also made some changes to Equity Shareholder criteria. You can reserve products under current criteria until 5pm Monday 27 June 2011.

We wanted to let you know that our legacy eServices platform will be closed for new business from 30 June 2011. You'll still be able to view and progress your pipeline cases and produce KFIs for paper exception cases, but all new business will need to be submitted through NFI Online from 30 June 2011.

Ian Andrew, Head of Intermediary Sales and Andrew Baddeley-Chappell, Head of Mortgage Strategy and Policy for Nationwide feature in Mortgage Strategy this week. In June's economic tracker, Ian talks about the importance of intermediaries in the mortgage market, and Andrew discusses regulatory drag.

At Nationwide For Intermediaries we're proud to have been awarded five stars in the FT Adviser Online Service Awards. Because of our commitment to intermediaries, we hope to build on the success of NFI Online by continuing to listen to your feedback. Thank you for supporting NFI.

Andrew Baddeley-Chappell, Head of Mortgage Strategy and Policy for Nationwide, has blogged about current competition in the Buy to Let market on FTAdviser.com. For more details and to read the full article simply click on the link below.

We are pleased to announce that with effect from tomorrow, 3 June 2011, we'll be reducing our 2 year fixed rates at 50% LTV by 0.15% in our House Purchase and Remortgage ranges.
To see the full details of our range, please follow the link below to download our product guide.

House prices rose by 0.3% in May and on the three month on three month measure, prices rose by 0.6%. The price of a typical home in May is 1.2% lower than one year ago. Overall, the modest pace of house price growth in May suggests that the property market is continuing to mirror the lacklustre trends evident in the wider economy.

From 22 May, the maximum LTV for non-home improvement loans will be 80%. These changes apply to further advances, remortgages with additional borrowing and capital raising on a mortgage free property. The maximum LTV limit for all other application types remains unchanged.

We are pleased to announce that with effect from tomorrow, 20 May, we'll be reducing our 2, 3 and 5 year fixed rates by up to 0.30% in our House Purchase and Remortgage ranges. You can reserve products through NFI Online or via MTE until 5pm today, 19 May 2011.

We are pleased to announce that with effect from tomorrow, 17 May, we'll be reducing 2 and 3 year tracker rates by 0.20% in our House Purchase and Remortgage ranges. You can reserve products through NFI Online or via MTE until 5pm on Monday 16 May 2011.

With effect from tomorrow, 6 May, we'll be extending our £500 discount on product fees, currently only available to First Time Buyers, to all House Purchase customers. We will also be revising our range of products up to 95% LTV for existing customers.

House prices fell by 0.2% in April with the price of a typical home in April 1.3% lower than one year ago. For further information and a regional breakdown please download the full report by following the link below.

With effect from tomorrow, 21 April, we will be revising our valuation fee structure for valuation and homebuyer report fees. Follow the link below to download our updated product guide for more details.

We're delighted to announce that with effect from tomorrow, 15 April, we'll be reducing all 3 year fixed rates by 0.20%.
This change includes 3 year fixed rates in our House Purchase, Remortgage and Additional Borrowing ranges. You can reserve products through NFI Online or via MTE until 5pm on Thursday 14 April 2011.

With effect from 6 April 2011, we will be amending our criteria for all new lending. Interest Only and Part Repayment applications will be limited to a maximum LTV of 75%, applications which exceed 75% LTV will only be considered on a Repayment basis. There are no further changes to our rates or products.

House prices increased by 0.5% in March, on the three month on three month measure, prices rose by 0.6% leaving prices 0.1% higher than one year ago. For further information and to download the full report follow the link below.

We are pleased to announce that with effect from tomorrow, 30 March, we'll be increasing our lending limits for cases up to 75% LTV. Our maximum loan size will be increased to £2m
We also will consider lending over £2m for cases up to 70% LTV subject to individual assessment. Limits above £1m will only apply to zero product fee options. In addition, we will be repricing our tracker product range.

From Tuesday, 22 February 2011, we'll be increasing our interest rates across all fixed rate products by 0.30%. You can reserve products through NFI Online or via MTE until 5pm on Monday 21 February 2011. Paper applications for the current products must reach the Service Centres by 5pm.

We're delighted to announce that we've launched a brand new product finder on our website. Designed following your feedback. We hope you'll find our new product finder intuitive and easy to use, but if you'd like to walk through the features we've put together a short guide.

With effect from 1 February 2011 we'll be making changes to our product range, including: new 3 and 5 year fixed rates and 3 year tracker rates for house purchase with no product fees, and rate reductions for purchase and remortgage trackers up to 75% LTV.

At Nationwide For Intermediaries, our focus is you and our recent service levels have not met the standard you have come to expect from Nationwide. We are working hard to put this right and improve our service to you for 2011.

Please be advised that we have updated our paper application forms from January 2011. Please ensure that you use the latest forms for any paper applications you submit, with immediate effect. Please be aware that any outdated forms we receive after 14 January 2011 will be returned to you.

As a result of the VAT increase in January, we'll be making changes to our valuation fee scale with effect from 4 January 2011. You can view our revised valuation fees by downloading our updated product guide today.